Independent Bank (Ionia MI) (Independent Bank (Ionia MI)) Risk Assessment

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What is Independent Bank (Ionia MI) Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Independent Bank (Ionia MI) is: High Risk: High uncertainty with risk-return tradeoff.

Competitive Comparison of Independent Bank (Ionia MI)'s Risk Assessment

For the Banks - Regional subindustry, Independent Bank (Ionia MI)'s Risk Assessment, along with its competitors' market caps and Risk Assessment data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Independent Bank (Ionia MI)'s Risk Assessment Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Independent Bank (Ionia MI)'s Risk Assessment distribution charts can be found below:

* The bar in red indicates where Independent Bank (Ionia MI)'s Risk Assessment falls into.

Independent Bank (Ionia MI) (NAS:IBCP) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Independent Bank (Ionia MI) Risk Assessment Related Terms

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Independent Bank (Ionia MI) (Independent Bank (Ionia MI)) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Independent Bank Corp (Ionia MI) (NAS:IBCP) » Definitions » Risk Assessment

Comparable Companies

Traded in Other Exchanges

N/A

Address

4200 East Beltline, Grand Rapids, MI, USA, 49525

Website

https://www.independentbank.com

Independent Bank Corp (Ionia MI) operates as a commercial bank. It offers a broad range of banking services to individuals and businesses, including checking and savings accounts, commercial lending, direct and indirect consumer financing, mortgage lending, and safe deposit box services. It also provides internet and mobile banking capabilities to its customers.

Executives

Stefanie M Kimball	officer: Executive Vice President	230 WEST MAIN STREET, IONIA MI 48846
Terance L Beia	director	4200 E BELTLINE, GRAND RAPIDS MI 49525
Archer Dennis W. Jr	director	4200 E BELTLINE, GRAND RAPIDS MI 49525
Christina Keller	director	4200 E BELTLINE AVE, GRAND RAPIDS MI 49525
James J Twarozynski	officer: Sr Vice President & Controller	201 HIGHLAND DRIVE, ROCKFORD MI 49341
Gavin A. Mohr	officer: Executive Vice President	4200 E BELTLINE, GRAND RAPIDS MI 49525
Kristopher Kreter	officer: First Vice Pres. & Controller	4200 E BELTLINE, GRAND RAPIDS MI 49525
Ronia F Kruse	director	4200 E BELTLINE, GRAND RAPIDS MI 49525
Joel F Rahn	officer: Executive Vice President	4200 E BELTLINE, GRAND RAPIDS MI 49525
William B Kessel	officer: President of Affiliate Bank	INDEPENDENT BANK CORPORATION, 230 WEST MAIN STREET, IONIA MI 48846
Matthew J Missad	director	2801 EAST BELTLINE, N.E., GRAND RAPIDS MI 49525
Patrick J Ervin	officer: Executive Vice President	4200 E BELTLINE, GRAND RAPIDS MI 49525
Dennis J Mack	officer: Executive Vice President	230 WEST MAIN STREET, IONIA MI 48846
Robert N Shuster	officer: Executive Vice President and C	201 HIGHLAND DRIVE, ROCKFORD MI 49341
Stephen A. Erickson	officer: EVP and Treasurer	1201 NETWORK CENTRE DRIVE, EFFINGHAM IL 62401